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Located on the IJssel and surrounded by the beautiful Gelderland landscape, Zutphen has been embedded in the rich history of the Netherlands since the Middle Ages. With many historical landmarks, such as the Walburgis Church and the Drogenap Tower, the city offers a unique mix of heritage and modern comfort. As one of the oldest cities in the Netherlands, Zutphen has proven resilience through the test of time. The inspiring architecture and historical charm of the city add an extra dimension to the lifestyle in Zutphen.

The Exclusive Housing Market of Zutphen

Zutphen's current housing market is stable and exhibits strength despite the current economic situation. The demand for luxury houses and apartments continues steadily, with an offer that meets the highest standards of exclusivity and comfort.

Costs and Taxes When Buying a Luxury Home

The average real estate agency fees when buying a house in Zutphen vary according to the luxury and exclusivity of the property, but generally fall between 1-2% of the sale price. Additional costs on top of the asking price include a 2% transfer tax, notary fees, and any costs for technical inspections or legal advice. The wealth tax on private ownership of a house ranges from 0.58% to 1.68%, depending on the value of the property.

Mortgage Requirements and Taxes when Selling a Property

When buying a house in Zutphen, the mortgage requirements are determined by multiple factors, including income and the ratio between equity and the borrowed amount. The maximum mortgage one can get is often around 100% of the purchase price, depending on individual financial situations. The tax on the profit after the sale of a property depends on whether the property is used as a main residence or as a second/vacation home. In the former case, the profit is usually tax-free, while in the latter case, the profit may be taxed in box 3.

Zutphen Top Neighborhoods and Accessibility

The most expensive and sought-after neighborhoods in Zutphen include the central city center with its historical buildings, and the exclusive Northveen district. Zutphen is easily accessible by train and car, with direct connections to major cities such as Arnhem, 50 km away. In addition, Zutphen is 120 km from Schiphol, the main international airport in the Netherlands.

Education, Health, and Culture in Zutphen

Zutphen is home to many educational institutions, including the Isendoorn College, the Baudartius College, and the Vrije School Zutphen. The city also offers excellent healthcare with Gelre Hospital and a variety of private clinics. In terms of culture, Zutphen has the Stedelijk Museum Zutphen and Hanzehof, a center for visual arts, literature, and music.

Living in Zutphen

Zutphen has a moderate maritime climate, making it ideal for outdoor activities such as cycling and walking in the surrounding nature. There are numerous luxury lifestyle shops, ranging from exclusive fashion boutiques to high-end interior stores. For the gourmet, there are various exquisite restaurants such as restaurant 't Schulten Hues. Every year Zutphen hosts several cultural and sports events like the Chocolate Festival and the National Bokbier Day. Moreover, there are various famous museums and theaters enriching the city's rich culture. Together they contribute to the unparalleled lifestyle in Zutphen.